NOTICE OF PRIVACY PRACTICES:
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. NO ACTION IS REQUIRED ON YOUR PART.

Effective April 14, 2003

This notice applies to all applicable companies within the PacifiCare family of companies, which includes businesses owned or controlled by PacifiCare Health Systems, Inc. (PacifiCare), including, but not limited to PacifiCare Dental and PacifiCare Dental and Vision Administrators. At PacifiCare, the protection of a member's privacy and the confidentiality of medical information has always been a priority. We recognize that you depend upon us to safeguard your personal information and uphold your privacy rights. This document - based on state and federal law, as well as our own company code of ethics - offers a declaration of our commitment to preserving member confidentiality and privacy.

PLEASE READ THESE TERMS OF USE AND PRIVACY POLICIES CAREFULLY.
By using this site, you agree to these Terms and Conditions of Use, as well as the Privacy Policies contained therein (collectively referred to as the "Terms of Use"). IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THIS SITE.

DISCLAIMER
PacifiCare makes no warranties or representations as to the accuracy of the content on this site and PacifiCare assumes no liability or responsibility for any errors or omissions in the content on the site.

The PacifiCare material is provided "as is" and without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Further, PacifiCare does not warrant that the functions contained in the PacifiCare materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. PacifiCare does not warrant or make any representations regarding the use of, or the results of the use of, the PacifiCare materials in this site in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not PacifiCare) assume the entire cost of all necessary maintenance, repair or correction.

PacifiCare has provided links and pointers to internet sites maintained by third parties ("third party sites") and may from time to time provide third party materials on this site. Neither PacifiCare nor its related, affiliated companies operate or control in any respect any information, products or services on these third party sites. The third party materials in this site and the third party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, PacifiCare disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness. PacifiCare does not warrant or make any representations regarding the use of, or the results of the use of, the third party materials in the third party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not PacifiCare) assume the entire cost of all necessary maintenance, repair or correction.

RESTRICTIONS ON USE OF MATERIALS
This notice applies to all applicable companies within the PacifiCare family of companies, which includes businesses owned or controlled by PacifiCare Health Systems, Inc. (PacifiCare), including, but not limited to PacifiCare Dental and PacifiCare Dental and Vision Administrators. This site is owned and operated by PacifiCare. Any activity on this site is subject to monitoring by PacifiCare at any time. Anyone who uses this site consents to such monitoring and agrees that PacifiCare may use the results of such monitoring without limitation. No materials from any website owned, operated, licensed or controlled by PacifiCare (or any of its related, affiliated companies, including, without limitation, phs.com, securehorizons.com, prescriptionsolutions.com and pacificare.com) (the "PacifiCare Material"), may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of PacifiCare. However, you may download one copy of the PacifiCare Material on any single computer for your personal, non-commercial home use only, provided you do not remove or modify any copyright, service mark or other proprietary notices. Modification of the PacifiCare Material or use of the PacifiCare Material for any other purpose is a violation of PacifiCare's copyright, service mark, and other proprietary rights. Another condition of your use of this website is that you do not restrict or inhibit any other user from using this website.

LIMITATIONS OF LIABILITY
Under no circumstances, including, but not limited to, negligence, shall PacifiCare or any of its related, affiliated companies be liable for any direct, indirect, incidental, special, consequential or punitive damages that result from the use of, or the inability to use the PacifiCare Material. You specifically acknowledge and agree that PacifiCare is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any of the PacifiCare Material, or with any of PacifiCare's terms and conditions, your sole and exclusive remedy is to discontinue using this site.

ONLINE PRIVACY
PacifiCare is respectful of the privacy concerns of the visitors to its sites on the Internet. As a general policy, no personal information is automatically collected from visitors to its sites. However, certain non-personal visitor information is recorded by the standard operation of PacifiCare servers. This information is primarily used to provide an enhanced on-line experience for the visitor. Information tracked includes the type of browser being used by the visitor (e.g., Netscape, Internet Explorer), the type of operating system (e.g., Macintosh, Windows) being used by the visitor and the domain name of the visitor's Internet service provider (e.g., America Online, Netcom). By having this information, PacifiCare is able to optimize its web pages automatically for each particular visitor. Other uses of this information include tracking the number of visitors to the sites (but visitors are tracked only in an aggregate and non-personally identifiable form). E-mail addresses and other personally identifiable data about visitors to this site are known to PacifiCare only when voluntarily submitted by the visitor. Personally identifiable information that may be collected as a result of a visitor voluntarily providing feedback or subscribing to newsletters is retained by PacifiCare and not sold or otherwise transferred outside the company. This information is used to better understand visitors' use of our sites and to support transactions made on the sites. Personally identifiable information collected from visitors may be provided in an aggregate form to other parties within the PacifiCare family for marketing, advertising or other uses. PacifiCare sometimes uses e-mail addresses and other personally identifiable information to contact visitors who communicate with us. For example, PacifiCare directs e-mail reports on new updates to the website to visitors who request such information.

USE OF COOKIES
What are cookies? Cookies are pieces of information that a website transfers to an individual's computer for record-keeping purposes. The use of cookies is a standard industry practice that is used by many major Internet websites and it makes surfing the internet easier. Cookies help us see which areas of the website are popular and which are not by measuring how and when individuals use it. Many improvements and updates to a website are based on information that is most easily tracked with cookies.

EXAMPLES OF HOW PACIFICARE USES COOKIES
A cookie lets the PacifiCare computers remember that you've registered, which allows PacifiCare to speed up your future activities at PacifiCare sites. Similarly, PacifiCare uses temporary cookies to help you navigate through some of the database driven areas of PacifiCare sites. Once you leave the website, these cookies will expire. If you decline to use cookies, you may have difficulty navigating through some parts of the website.

HOW PACIFICARE DOES NOT USE COOKIES
PacifiCare never uses cookies to retrieve information from your computer that was not originally sent in a cookie. Except as described below, PacifiCare does not use information transferred through cookies for any promotional or marketing purposes, nor is that information shared with any third parties whatsoever. PacifiCare does not use cookies to identify specific individuals, except in such cases as private subscriber areas of the website. You may occasionally get cookies from advertisers on the PacifiCare sites. PacifiCare does not control these cookies, and these cookies are not subject to PacifiCare's policies. The use of advertising cookies sent by unrelated parties is standard in the Internet industry. Most browsers are initially set to accept cookies. If you'd prefer, you can set yours to refuse cookies or to alert you when cookies are being sent. However, it is possible that some parts of the site will not function properly if you do so.

YOUR E-MAIL
We welcome your comments or questions about our website and have provided e-mail boxes for that purpose. We may share your comments and questions with our customer service representatives and those employees, contractors and/or agents most capable of addressing your questions and concerns. After your message has been received, it may be discarded or archived, depending on the nature of the communication. Your e-mail, like most (if not all) non-encrypted internet e-mail communications, may be accessed and viewed by unauthorized individuals without your knowledge and permission while in transit to us. Unless otherwise noted, the e-mail functionality on our site does not provide a secure and confidential means of communication. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider to be private. If you wish, you may contact us via non-cellular telephone at the number provided at various locations on our site or, in the case of health plan members, at the PacifiCare Dental Customer Service department toll-free number that appears on your identification card. There are some locations on our site where we have made special provisions for a more secure environment in which we can exchange information with you. Depending upon the browser you are using, you may be able to identify when a secure communication link has been established. For example, Microsoft Internet Explorer displays a padlock icon near the lower right hand corner of the screen when internet encryption is active. You may consult your browser's Help function for more information regarding secure encrypted Internet communications.

NOT A SUBSTITUTE FOR PROFESSIONAL HEALTH CARE OR ADVICE
The information contained in this site is general in nature and is intended for educational purposes only. It is not a substitute for the advice of health care professionals. If you have specific health care needs, or for complete health information, please see a doctor or other health care provider.

JURISDICTION
Except as described otherwise, all materials in the PacifiCare sites are made available only to provide information about PacifiCare. PacifiCare controls and operates this site from its headquarters in Cypress, California, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws.

SERVICE MARK AND TRADEMARK INFORMATION
The following service marks and trademarks used herein are owned by PacifiCare or its affiliates: About You. With You. For You; Arizona Choice; A Solution For Caregivers; Covantage; E; Execu-Fit; Express Referrals; Healthbeat; Healthy Renewal; Healthy Renewal Pass; Helping You Navigate Life's Challenges; Horizons; Hr Express; Life Strategies; Medemorphus; Medemorphus Healthcare Solutions; Myflexspend; Myworkwiz; My Work Wizard; PacifiCare; PacifiCare Behavioral Health Spectrum; PacifiCare Express Referrals; PacifiCare.Com; PacifiCare SignatureAlternatives; PacifiCare SignatureExpress; PacifiCare SignatureFreedom; PacifiCare SignatureIndependence; PacifiCare SignatureOptions; PacifiCare SignaturePass; PacifiCare SignaturePOS; PacifiCare SignatureSupplement; PacifiCare SignatureValue; Pal; Pharmacy Benefit Insider; Prescribing Focus; Prescription Solutions; PrescriptionSolutions.Com; Priorities Plus; Profile Advantage; Profile Advantage About You. With You. For You; Quality Index; Real World Prospective Outcomes Research; Rxadvantages; Rxnews; Rx Prescription Solutions; Rx Solutions By Prescription Solutions; Rxsolutions; Rxsolutions.Com, Scriptsoft; Secure Horizons; Secure Horizons.Com; Senior Buddy; Seniorfit; More Than Our Name, It's Our Goal; Pmc; Preferred Plan 800 Plus; Preferred Plan Premier; Preferred Plan Select; Premier 65; Stuffee (was developed for the Pittsburgh Children's Museum by Jo Winger); Taking Charge of Depression; Taking Charge of Diabetes; Taking Charge of Your Health; Taking Charge of Your Heart Health; We're Listening; We Take Your Health Care Personally; Women's Health Solutions; Work-Life Wizard.